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IFS CAPITAL LIMITED (I49) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of IFS CAPITAL LIMITED S$0.34, price S$0.17, upside +100.0%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · SG · ISIN SG1A35000706

IC Thin data Oct 2, 2026

IFS CAPITAL LIMITED

I49 · SG

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value 0.3400 SGD · Strongly undervalued (+100.0%)
!Quality 48/100
!Mixed Growth (revenue 5y +7.8 %/yr)
!Thin margins · 7.4% net margin (TTM)
✓Low debt · generates free cash flow
✓4.7% dividend yield · Sustainable
!Mixed vs. peers (6/13)
!Narrow moat 35/100
!Evidence only low, so the estimate is less certain
!Weak on past: 13 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

0.2318 SGD 0.0957 SGD Fair Value 0.3400 SGD Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.

How to read this chart

60‑month range 0.0957 SGD – 0.2318 SGD · fair‑value band 0.2400 SGD – 0.4400 SGD · the 0.1700 SGD price screens below the 0.3400 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 2, 2026.

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Company profile

IFS Capital Limited, together with its subsidiaries, provides private credit origination, insurance, and asset management services to SMEs, consumers, and investors in Singapore, Hong Kong, Thailand, Malaysia, and Indonesia. It operates in four segments: Private Credit, Insurance, Private Equity and Other Investments, and Asset Management.

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IFS Capital Limited, together with its subsidiaries, provides private credit origination, insurance, and asset management services to SMEs, consumers, and investors in Singapore, Hong Kong, Thailand, Malaysia, and Indonesia. It operates in four segments: Private Credit, Insurance, Private Equity and Other Investments, and Asset Management. The company offers factoring, accounts receivable financing, trade financing, asset-based financing loans, working capital, leasing, and hire purchase services, as well as consumer loan services; and issues performance bonds and guarantees, domestic maid insurance, property and casualty insurance, motor insurance, engineering insurance, and work injury compensation insurance, as well as holds equity securities and bonds under the regulated insurance fund. It is also involved in the provision of development capital in the form of convertible debt instruments and private equity investments; and asset management services, and venture capital investment activities. In addition, the company offers money lending, business debt receivable purchase, credit agency, direct financing, operating lease, and consumer financing services, accounts receivable purchase of onshore and offshore trade receivables; provides financing and manages lending transactions; and offers web portal and online loan marketplace services, as well as invests in private credit funds. IFS Capital Limited was incorporated in 1987 and is based in Singapore. IFS Capital Limited operates as a subsidiary of Phillip Assets Pte Ltd.

Stock analysis

IFS CAPITAL LIMITED (I49) currently trades at 0.1700 SGD, while our model-based Fair Value estimate is 0.3400 SGD, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 0.3300 SGD per share, and 9 of the 11 models we run sit above the 0.1700 SGD price.

Bear case: the Earnings-Based group reads lowest at 0.1300 SGD, and 2 of the 11 models stay below the price. Evidence for this calculation is low.

Scenario range: 0.2400 SGD (bear) to 0.4400 SGD (bull), the price of 0.1700 SGD sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

IFS CAPITAL LIMITED reported revenue of 62.6M SGD in FY2025 versus 43.4M SGD in FY2021, a compound +9.6%/yr. Reported net income was 4.7M SGD in FY2025, compounding −12.1%/yr from FY2021.

Key figures

Market cap 63.9M SGD (≈ $50.0M) · P/E ratio 17.0 · P/S ratio 1.29 · EPS (TTM) 0.0100 SGD · Dividend yield 4.7% · Net margin 7.6% · Return on equity 3.3% · Return on assets (EBIT) 1.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 27% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, I49 screens cheaper than that median.

Fair Value models

Bear 0.2400 SGD Fair Value 0.3400 SGD Bull 0.4400 SGD
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0015 SGD per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF 0.2500 SGD 0.3500 SGD 0.5100 SGD 77
Residual Income 0.3400 SGD 0.3300 SGD 0.3300 SGD 76
Owner Earnings 0.3400 SGD 0.5200 SGD 0.8100 SGD 75
All 11 models by family
DCF Models
Owner Earnings 0.3400 SGD 0.5200 SGD 0.8100 SGD 75
5Y P/E Exit 0.2200 SGD 0.3000 SGD 0.3900 SGD 71
10Y P/E Exit 0.2300 SGD 0.3000 SGD 0.4100 SGD 64
Earnings-Based
Graham-Dodd 0.0900 SGD 0.3600 SGD 0.5000 SGD 64
Lynch FV 0.0900 SGD 0.1300 SGD 0.1700 SGD 61
Multiples
P/E Multiple 0.1200 SGD 0.1600 SGD 0.2000 SGD 63
P/B Multiple 0.1600 SGD 0.2100 SGD 0.2700 SGD 55
Asset-Based
NCAV (Graham) 0.2400 SGD 0.3200 SGD 0.4800 SGD 53
Growth DCF
Growth DCF 0.2500 SGD 0.3500 SGD 0.5100 SGD 77
Rev-Margin DCF 0.1700 SGD 0.2100 SGD 0.2600 SGD 73
Economic Profit
Residual Income 0.3400 SGD 0.3300 SGD 0.3300 SGD 76

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Quality Score breakdown

Overall quality 48/100

Of which business quality 45 · Market factors (momentum, volatility) 46

Profitability 19
Margins and returns on capital today
Quality Growth 51
Are margins and returns improving?
Cashflow 40
Earnings quality: real cash, not paper profit
Fin. Strength 24
Balance sheet, leverage, solvency risk
Investment 78
Disciplined investing over empire-building
Low Volatility 66
Calm price path (market factor)
Momentum 38
Price trend over the last 3–12 months (market factor)
52W Momentum 39
Distance to the 52-week high (market factor)
Net Issuance 90
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+22.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
Start year 2020 (pandemic). Over 10 years: +4.1% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.0%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+28.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.2%
Dividend (yield on the price)4.7%
Profit margin 2015 to 2020 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−30% → 6%
2025 sits 103% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+35.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Singapore: IMF forecast 2.0% a year to 2030, 1.7% from 2016 to 2025) that is about +32.7% a year for the price.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (TTM) 3.3% · Below median
Return on assets 1.4% · Below median
Net margin (TTM) 7.4% · Below median
Operating margin (TTM) 14.4% · Below median
Growth and dividend
Revenue growth 26.9% · Above median
Dividend yield (TTM) 4.7% · Above median
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 17.0× · Pricier than median
P/B 0.35× · Cheapest 25%
P/S (TTM) 1.00× · Cheapest 25%
P/FCF 22.0× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 55
FUTURE (revenue growth)100 · sector 55
PAST (return on equity)13 · sector 32
HEALTH (low debt)99 · sector 59
DIVIDEND (yield)94 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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10 more Credit Services stocks, each showing price versus our Fair Value estimate.

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Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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IFS CAPITAL LIMITED · Fair Value
0.3400 SGD +50%Fair Value
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Cite: Fair Value Calculator (2026). "IFS CAPITAL LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/I49

Frequently asked questions

Is IFS CAPITAL LIMITED (I49) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of 0.3400 SGD versus a price of 0.1700 SGD, about +100% upside (undervalued).
What is the fair value of I49?
Our model-based fair value for IFS CAPITAL LIMITED is 0.3400 SGD (as of Oct 2, 2026), built from audited fundamentals. The current price: 0.1700 SGD.
What is the quality score of I49?
IFS CAPITAL LIMITED has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IFS CAPITAL LIMITED (I49)?
Our model-based price target is the fair value of 0.3400 SGD (as of Oct 2, 2026) from 11 valuation models. Cautious scenario 0.2400 SGD, optimistic scenario 0.4400 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the IFS CAPITAL LIMITED stock forecast for 2026?
Our models put fair value at 0.3400 SGD, about +100% upside versus a price of 0.1700 SGD (undervalued). Cautious scenario 0.2400 SGD, optimistic scenario 0.4400 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of IFS CAPITAL LIMITED (I49)?
IFS CAPITAL LIMITED reported trailing-twelve-month revenue of about 63.6M SGD (latest available figure, as of Oct 2, 2026).
Does IFS CAPITAL LIMITED pay a dividend?
IFS CAPITAL LIMITED currently shows a dividend yield of about 4.71% relative to its recent price (as of Oct 2, 2026).
What growth is priced into IFS CAPITAL LIMITED (I49)?
For today's price to be fair in a discounted-cash-flow model, IFS CAPITAL LIMITED would have to grow free cash flow by +35.5 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.8 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of I49 use?
Our models discount IFS CAPITAL LIMITED at 8.3 %: a base by market capitalisation (nano), damped by beta 0.03, country premium for Singapore. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For IFS CAPITAL LIMITED that is +35.5 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has IFS CAPITAL LIMITED (I49) delivered so far?
Over the past 5 years revenue at IFS CAPITAL LIMITED grew +7.8 % a year. The price currently implies +35.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of IFS CAPITAL LIMITED (I49) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into IFS CAPITAL LIMITED (+35.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of IFS CAPITAL LIMITED (I49)?
The free-cash-flow yield on the price is 4.55 %: that much free cash flow IFS CAPITAL LIMITED produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of IFS CAPITAL LIMITED (I49)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IFS CAPITAL LIMITED it is 0.3400 SGD per share (as of Oct 2, 2026), against a price of 0.1700 SGD. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is IFS CAPITAL LIMITED stock overvalued or undervalued in 2026?
As of Oct 2, 2026, I49 trades below its calculated fair value: price 0.1700 SGD, fair value 0.3400 SGD, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of I49?
No. The price is what the market pays today (0.1700 SGD); the fair value is what the company's own numbers justify (0.3400 SGD). For IFS CAPITAL LIMITED the two are 0.1700 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is IFS CAPITAL LIMITED worth?
The market values IFS CAPITAL LIMITED at about 63.9M SGD (market capitalisation, as of Oct 2, 2026). Per share that is 0.1700 SGD; our models calculate a fair value of 0.3400 SGD per share.
What do the bullish and bearish scenarios say about I49?
Our models span a range for IFS CAPITAL LIMITED: cautious scenario 0.2400 SGD, base 0.3400 SGD, optimistic 0.4400 SGD per share (as of Oct 2, 2026, price 0.1700 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of I49?
IFS CAPITAL LIMITED trades at a price-to-earnings ratio of 17.0 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3400 SGD is built from several models across several years. Other multiples: P/B 0.4, P/S 1.0.
How solid is the balance sheet of IFS CAPITAL LIMITED (I49)?
Balance-sheet figures for IFS CAPITAL LIMITED (as of Oct 2, 2026): return on equity 3.3%, debt of 0.03 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is I49 from its 52-week high?
IFS CAPITAL LIMITED trades at 0.1700 SGD, about 27% below its 52-week high of 0.2318 SGD and 9% above the low of 0.1560 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3400 SGD is for.
Which stocks are comparable to IFS CAPITAL LIMITED?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IFS CAPITAL LIMITED stock attractive at the current price?
The data as of Oct 2, 2026: price 0.1700 SGD, calculated fair value 0.3400 SGD (+100%), Quality Score 48/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of I49 calculated?
We run IFS CAPITAL LIMITED through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.3400 SGD, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. IFS CAPITAL LIMITED currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IFS CAPITAL LIMITED (I49)?
The closing price on Oct 2, 2026 was 0.1700 SGD. Our model-based fair value is 0.3400 SGD, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IFS CAPITAL LIMITED right now?
The price is below even our cautious bear case (0.2400 SGD). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (0.2400 SGD to 0.4400 SGD) leaves room in how you read the outcome.

Key figures of IFS CAPITAL LIMITED

How large is the market capitalisation of IFS CAPITAL LIMITED (I49)?
The market capitalisation of IFS CAPITAL LIMITED is 63.9M SGD (≈ $50.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IFS CAPITAL LIMITED (I49)?
The price-to-sales ratio of IFS CAPITAL LIMITED is 1.29 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IFS CAPITAL LIMITED (I49)?
Earnings per share at IFS CAPITAL LIMITED are 0.0100 SGD (price ÷ EPS = P/E 17.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IFS CAPITAL LIMITED (I49)?
The dividend yield of IFS CAPITAL LIMITED is 4.7% (payout 80.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of IFS CAPITAL LIMITED (I49)?
The net margin of IFS CAPITAL LIMITED is 7.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of IFS CAPITAL LIMITED (I49)?
The return on equity (ROE) of IFS CAPITAL LIMITED is 3.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of IFS CAPITAL LIMITED (I49)?
On an EBIT basis the return on assets of IFS CAPITAL LIMITED is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IFS CAPITAL LIMITED (I49)?
The operating margin of IFS CAPITAL LIMITED is 14.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IFS CAPITAL LIMITED (I49)?
Revenue at IFS CAPITAL LIMITED is growing +26.9% versus a year earlier (3y avg +21.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at IFS CAPITAL LIMITED (I49)?
Earnings per share at IFS CAPITAL LIMITED are growing −2.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does IFS CAPITAL LIMITED (I49) carry?
The net debt of IFS CAPITAL LIMITED is 233M SGD (fiscal year 2025, ≈ 80.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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